Skip to main content
Auto loan banner

Auto Loan Rates

 Section Menu

FAST APPLICATION. COMPETITIVE RATES. QUICK DECISIONS.

Rates Effective: 11/3/22

Learn more about auto loans and how to get prequalified so you can shop for your vehicle with confidence.  

Apply Online or  Contact Us

2019 and Newer Model Years

Term APR as low as* Special APR as low as*
12 Months 8.19% 5.78%
24 Months 8.22% 5.86%
36 Months 8.30% 5.99%
48 Months 8.54% 6.13%
60 Months 8.78% 6.27%

2012-2018 Model Years

Term APR as low as* Special APR as low as*
12 Months 8.69% 6.28%
24 Months 8.72% 6.36%
36 Months 8.80% 6.49%
48 Months 9.04% 6.63%
60 Months 9.28% 6.77%


2011 and Older Model Years

Term APR as low as*
12 Months 9.49%
24 Months 9.52%
36 Months 9.60%
48 Months 9.84%
60 Months 10.08%
  • *APR = Annual Percentage Rate
  • Special APR includes discount for automatic payment from a First National Bank deposit account with direct deposit, as well as other minimum requirements. Borrowers will lose discount if they fail to meet the Special APR qualifications during loan term.  
  • New money to First National Bank only, does not include adding money to a pre-existing First National Bank loan. 
  • Rates quoted are fixed and subject to change. 
  • Some additional restrictions may apply. 
  • All loans subject to full underwriting procedures and approval. 
  • Minimum down payment amount is 10.00% for 2019 and newer model years, 20.00% for 2012-2018 model years, and 30.00% for 2011 and older model years. 
  • Vehicles with salvage or rebuilt titles will not be accepted as collateral. 
  • Loan payment and APR will vary based on the term, loan amount, vehicle age, and applicable fees. Estimated monthly payment example: a $30,000.00 loan on a 2019 or newer vehicle with a 60-month term with $31.65 in closing costs: 59 monthly payments of $619.58 and one final payment of $618.88, and APR of 8.78%. 
Back to Top